The Top 10 Retirement Planning ExcusesTen common "reasons" why someone does not plan for retirement.

#10: "I'm too busy" Stop procrastinating. How does the saying go? The best time to plant a tree is 30 years ago. The second best time is … TODAY.

#9: "It's too soon" It's NEVER too soon. The sooner you start planning, the better chance you stand of having the kind of retirement you want.

#8: "It's too late"

Think again. Even if you've already retired, it's important to consider how you're receiving income and how long it will last.

#7: "I don't need to"

This one baffles me. If you're simply giving monthly to a savings account and hoping for the best, you may be in for an unpleasant surprise someday.

#6: "I don't have enough money to get started"

Starting small is better than not starting at all, and if you plan well, you'll eventually have more to work with.

#5: "My finances are a mess"

Consider speaking with a Financial Professional who can look at your complete financial picture and help you to develop a plan to make your "mess" work for you.

#4: "The Government will take care of me"

If you're planning to retire on Social Security alone, I would advise you to create a back-up plan at the very least.

#3: "Between my savings and my 401(k), I'll be fine"

Saving for retirement without an income distribution plan could be a mistake. Have you considered inflation? Taxes? If you live to 100, will the money last?

#2: "I don't want to think about it"

If you bite the bullet now and put a firm plan in motion, you may not have to think about it again for quite some time.

#1: "I don't know how"

If you knew everything there was to know about financial planning, you'd probably be a financial advisor yourself. If you're putting off retirement planning because you don't know how to begin, consider speaking to a professional who does.

This material was prepared by MarketingLibrary.Net Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information should not be construed as investment, tax or legal advice. All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy.

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Bret Roby

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Disclaimer: The information presented here is intended as information only and is not intended to repesent tax, legal, or investment advice. Financial products can differ based on state of residence, age and product selected. Many financial products such as annuities may contain surrender charges and/or restrictions on access to your funds. Optional lifetime income benefit riders are used to calculate lifetime payments only and are not available for cash surrender or in a death denefit unless specified in the annuity contract. In some annuity products, fees can apply when using an income rider. Guarantees are based on the financial strength and claims paying ability of the insurance company. Read all insurance contract disclosures carefully before making a purchase decision. Rates and returns mentioned on any program presented are subject to change without notice.